Money Merge Account ProgramOrientation

United First Financial & The Money Merge Account

How Do We Stop The Insanity?

3 Mathematical Principals3 Mathematical Principals

1. No Stagnant MoneyNo Stagnant Money Your Money Working For Your Money Working For YOU!YOU!

2. Interest Cancellation Effect2. Interest Cancellation Effect The Banks Money Working For The Banks Money Working For YOU!YOU!

3. Open End Versus Closed End Loans3. Open End Versus Closed End Loans Using Simple Interest to Negate The Using Simple Interest to Negate The

Power of Compound InterestPower of Compound Interest

People who understand interest earn it….People who don’t pay it!

The most wealthy and successful people in the world were polled and asked what

was the #1 focus in achieving wealth. Over 75% answered that minimizing and

eliminating debt was the key. Success Magazine / Forbes Magazine

2005 Money Merge Account™ Program2005 - 2006 Denver Test Market

2006 United First FinancialIn 24 months…UFirst grew from

ten Agents to thousands of Agents

1997 Accelerated EquityFounded by Skyler Witman and John Washenko in Draper, Utah

One of Utah’s fastest growing companies for 3 years.

In 2002, hired a group of experts to create a program to help homeowners pay off mortgage debt more effectively with little to no change in lifestyle.

See What the Experts Are Saying

What the experts are saying…What the experts are saying…

Endorsed by Andrew Waite, Publisher of PERSONAL REALEndorsed by Andrew Waite, Publisher of PERSONAL REALESTATE INVESTOR MAGAZINE. Quote: " The Money Merge ESTATE INVESTOR MAGAZINE. Quote: " The Money Merge Account is a great product with outstanding customer service!”Account is a great product with outstanding customer service!”

Winner of Editors Choice Award by PERSONNAL REAL PERSONNAL REAL ESTATE INVESTOR ESTATE INVESTOR MAGAZINEMAGAZINE. Featured in two different issues!

Endorsed by Brad Farris, CEO of Farris Mortgage Endorsed by Brad Farris, CEO of Farris Mortgage (oldest mortgage company in Southwestern Missouri) (oldest mortgage company in Southwestern Missouri) and a 10 year host of a syndicated radio mortgage and a 10 year host of a syndicated radio mortgage talk show – “The Farris Mortgage Hour”. Brad is talk show – “The Farris Mortgage Hour”. Brad is also a United First Financial associate.also a United First Financial associate.

What the experts are saying…What the experts are saying…

Endorsed by world-famous Success Trainer and Guinness world-record author of the Chicken Endorsed by world-famous Success Trainer and Guinness world-record author of the Chicken Soup for the Soul book series, Mark Victor Hansen. Mr. Hansen is an MMA client and a United Soup for the Soul book series, Mark Victor Hansen. Mr. Hansen is an MMA client and a United First Financial Associate. Quote: "United First Financial and the Money Merge Account will save First Financial Associate. Quote: "United First Financial and the Money Merge Account will save America from debt! United First Financial is a kick-butt opportunity!" He publicly stated that the America from debt! United First Financial is a kick-butt opportunity!" He publicly stated that the Money Merge Account will be saving him over $639,000 in interest!Money Merge Account will be saving him over $639,000 in interest!

Endorsed by Glenn Beck, syndicated radio and TV talk show host, of Endorsed by Glenn Beck, syndicated radio and TV talk show host, of FOX News. Quote: "United First Financial will clearly show people how FOX News. Quote: "United First Financial will clearly show people how to pay off debt while accumulating wealth." Quote: " United First to pay off debt while accumulating wealth." Quote: " United First Financial will allow Americans to reclaim our great country !"Financial will allow Americans to reclaim our great country !"

Endorsed by Douglas Andrew financial expert and well-known, NY Times Endorsed by Douglas Andrew financial expert and well-known, NY Times best selling author of MISSED FORTUNE, MISSED FORTUNE 101, THE best selling author of MISSED FORTUNE, MISSED FORTUNE 101, THE LAST CHANCE MILLIONAIRE and MILLIONAIRE BY THIRTY.LAST CHANCE MILLIONAIRE and MILLIONAIRE BY THIRTY.

Cover/ feature article by

TRUEWEALTH MAGAZINETRUEWEALTH MAGAZINE

Cover/ feature article in MORTGAGE PLANNER MAGAZINEMORTGAGE PLANNER MAGAZINE

Has alliances and preferred lender programs w/ Bank of America, US Bank, Chase, Wells Fargo, National City Bank, Key Bank, Regions Bank and many other banks across the nation.

United First Financial has and will be featured on over 237 cable TV stations and on over 150 major market local TV stations.

UFirst was the cover story in a recent issue of Broker Banker

Magazine

“Outstanding Company of the

Month”

Brian Topor, " As an experienced mortgage originator and Founder/ Publisher of BROKER BANKER MAGAZINE, I've come across every imaginable product designed to help mortgage originators generate more business. Some have been great, most have not. I have never personally and/or publicly endorsed any product. However, I'm endorsing this one. It's the Real Deal."

“Mortgage Companies are now training all of their loan officers to use the Money Merge Account SystemTM as a tool to destroy their competition when competing for a clients business. “

Broker Banker Magazine

Moving in the Right Direction

Don Jorgensen, Skyler Witman Jonathan E. Bonnette, Matt Lovelady

and John Washenko

DO YOU KNOW WHO ERNST AND YOUNG IS??

Ernst & Young is one of the Big-4 global accounting and auditing firms with its origins dating back over 100 years

· Providing clients services in audit, tax and business advice

· In 2008, worldwide revenues were $24.5 billion up over 16%

· With offices in over 130 countries, E&Y has over 135,000 employees

· E&Y’s clients include 85% of Fortune Global 500, 73% of S&P 1200 and tens of thousands others

E&Y’s Entrepreneur of the Year® program takes place in 135 cities across 50 countries and has been held 22 years now

culminating in an annual worldwide event.

WE WELCOME YOU TO CHECK OUR IMPECCABLE CREDENTIALS

Please feel free to use reliable and credible sources such as:

Better Business Bureau

Dun & Bradstreet

Chamber of Commerce

Federal Trade Commission

Attorney General

In regard to due diligence : blogs, chat rooms, forums and web sites used as sources some 75% of web searchers fail to determine the source of information they seek. Anyone can write a “blog”, but can you “Trust” their advice?

USA Today

• NOT a Bi-Weekly Program

• NOT a Debt Rolldown Program

• NOT a Debt Consolidation Program

• NOT a Reverse Mortgage

• NOT a Concept or Theory

Money Merge Account™ Program

Money Merge Account (MMA)

Software:• Functions as an account register

– Wants to know how much money is coming in

– Wants to know how much money is going out

• Tells you specific dollar amounts to move• When to move it• From what account to which account• Tracks your monthly budget• 10-20 minutes per month to update• Continuous customer support and coaching!

The Money Merge Account TM

What’s In It For Me?

• Potentially saves you tens of thousands of dollars in INTEREST• Pay off your mortgage in a fraction of the time!• Increase your cash flow and financial flexibility• Create an emergency cash fund and/or reserve• Potentially increase your credit scores• Potentially greater tax benefits• Less Stress!...Lower your debts!• Create better family relationships because of less stress• A workable financial plan and budgeting tool• Eliminate all debt and start accumulating wealth much sooner than

later• Allows you to become the bank…

…Never have to refinance your existing mortgage again!

Our System teaches you to make every dollar you make either earn interest or cancel interest!

Bank Like a Bank

Sounds simple, but it is millions of lines of codes andmultiple math algorithms hard at work.

Ever since banks opened their doors, they have relied on math and timing to make money

work.

Now it’s your turn to bank like a bank.

Computes the optimal time to leverage money to pay off your debts and cancel interest.

Five Key Money Saving Principles

1. Interest Accumulation

2. Interest Float

3. Interest Cancellation

4. Strategic Payoff

5. Time Value of Money

John and Rebecca Jones

Liability Structure

Debt Amount Rate Payment Term

Mortgage $200,000 6% $1199.10 360

Credit Card $0 12% $0.00 240

Income Structure

Income Expense Discretionary

$5,000 $4,800 $200

Month 1

Month 1

Month 1

Month 1

Month 1

+$12@3%

-$199

1. Interest Accumulation

Month 2

0%

2. Interest Float

Month 2

$3,789

Month 2

Funds Transfer

3. Interest Cancellation

Principal Interest Balance Equity Paid

Month 1

Month 2

Year 1

Year 5

Year 10

Year 21

Year 30

$199.10 $1,000

$200.10 $999

$210.33 $988.77 $197,543 $2,457 $14,389

$267.22 $931.88 $186,108 $13,891 $71,946

$360.44 $838.66 $167,371 $32,628 $143,891

$696.23 $502.89 $99,877 $100,123 $302,173

$200,000 Principal Balance6% Interest Rate

30 Years$1,199.10 Monthly Payment

$431,677

Year 5 Effective Interest Rate =116%Year 5 Effective Interest Rate =116%

Prepayment Example

$200,000 Mortgage

6% For 30 Years

$1,199 First Monthly Payment

$5,000 Additional Principal Payment

(Under The Mattress Money)

$6,199 Total First Payment

Prepayment Savings Example

$195,000 New principal loan balance

6% Interest rate

$ 1,199 Monthly payment

337 Months

$231,677 Original interest paid

$203,373 New interest paid

$ 28,304

-$ 5,000 Additional principal payment

$ 23,304 Total Savings

Strategic Payoff Looks at the characteristic’s of each debt including

• Amount owed

• Length of debt

• Interest rate

• Calculation of Payment

• Adjusting Rates

Factorial Math

Fair Isaac* reports the average consumer has 13 active creditors on their credit report.

Over 6 BILLION

* www.myFICO.com

6 Variables

Can You Guess the Combination?

Possible Combinations?

720

How Would you Pay this off?

$10,7007%Installment Loan $4,800

12%Credit Card

$8,0009%Credit Card

$20,0005%Auto Loan

$200,0006%Mortgage

12624120

John and Rebecca Jones

Liability Structure

Debt Amount Rate Payment Term

Mortgage $200,000 6% $1199.10 360

Credit Card $8,000 9% $72.00 240

Credit Card $0 12% $0.00 240

Loan $10,700 7% $125.00 120

Auto Loan $20,000 5% $377.00 60

Income Structure

Income Expense Discretionary

$5,000 $4,800 $200

Month 1

Month 1

Month 2

$3,789

Month 2

Strategic Payoff

$4,800$3,989 $4,800

Financial Education Features-TVM

• True Cost– Lets you see the true cost of using your

money for an impulse purchase instead of paying off your debt

• Best Time to Buy– Helps you time your purchases to avoid extra

interest charges

• Accurate information helps you shape your goals and avoid making backward steps

• Have you ever charged a balance on your credit card?– What was the interest rate on that credit card?

• What if you paid the balance in full at the end of the month?– What would the effective interest rate be for that exact

same card?

You have just created an interest cancellation account!!!

What is an Interest Cancellation Account?

MMA Deposit / Facilitating Accounts

• Program can operate with – Line of Credit– Checking Account– Savings Account– Credit Card (Min. $300 Limit)

• Provides solution for clients with– Limited credit– No mortgage– Frozen HELOCs

Making the Right Decision

If you choose to override the system, it will immediately tell you what the impact of

your emotional decision will be

Financial GPS

It guides you to:

• Pay off debts

• Save for retirement

• Stay Focused

• Track success

The Money Merge Account™ ProgramIs Your Financial GPS

Conventional Program Money Merge Account TM

System

$121,855 Total Interest Saved with the Money Merge Account

40 Years Old 40 Years Old

30 years to zero 15.3 years to zero

$247,764 in interest $125,878 in interest

John and Rebecca Jones

After 2 years we have changed our customers’ lives with

Over $355,000,000.00In Principal Paid Down

All you have to gain is Financial Freedom

START CHANGING YOUR LIFE TODAY

Results as of April 1, 2009

DO YOU QUALIFY?

OVER 90% OF INDIVIDUALS, FAMILIES AND BUSINESSES WITH MORTGAGES AND/OR CONSUMER/BUSINESS DEBT

WILL QUALIFY FOR OUR INCREDIBLE PRODUCT

THE COST OF OUR PRODUCT WILL FIT ANY BUDGET. FOR LESS THAN $75.00 A MONTH OVER A SHORT PERIOD OF TIME ANY CLIENT CAN BEGIN TO SAVE TREMENDOUS

AMOUNTS OF MONEY AND BE ON THEIR WAY TO FINANCIAL FREEDOM.

With our 100% satisfaction guarantee, you have absolutely no risk at all!

Unlock Your Financial Future

Schedule your free analysis today to see how the Money Merge Account™ program

can change your life.

United First Financial, its Agents and subsidiaries provide Internet, Web-based software and support services. United First Financial does not provide accounting, tax, legal, real-estate, mortgage, or investment advice. Interested parties should seek and consult with persons or entities licensed and qualified in those areas for advice relating to those matters. United First Financial is not liable or responsible for claims or representations made by any party which are not included in the Money Merge Account™ Limited Guarantee.

Thank You